下面为大家整理一篇优秀的paper代写范文- Financial center service industry,供大家参考学习,这篇论文讨论了金融中心服务产业。从欧美成熟金融体系发展历程和经验来看,伴随着金融业不断发展壮大和日益成熟,金融产业也加快向某些大城市集中,并进而催生金融中心的出现。在欧美成熟金融体系中,金融服务产业发展的功能也集中体现在了各大金融中心对其腹地经济的辐射效应上。
From Europe and the United States financial system development and mature experience, with the continuous development of financial industry grow and mature, the financial industry to speed up to concentrate in some big cities, and, in turn, gave rise to the emergence of financial center. The financial center gathers financial resources in one region, the whole country and even the whole world, and provides financial services to one region, the whole country and even the whole world. In the mature financial system of Europe and America, the function of the development of financial service industry is also reflected in the radiation effect of the major financial centers on its hinterland economy. China's large and medium-sized cities accelerate the construction of financial centers, which have the external role of active guidance of local governments, but the most fundamental? It is the development of China's financial industry to a considerable level, its own existence to gather development and promote the internal requirements of the financial center.
Can draw inspiration from the "financial" theory, financial center development should be mainly revolves around the financial support to the real economy and industry development, the financial capital to attract domestic and foreign industry agglomeration, all kinds of financial institutions, financial markets, in the process of service local market to achieve the development of financial industry and financial center, and on the wider regional financial radiation.
In view of the development of domestic and foreign financial centers, the development of financial center service industry can play the following functions:
Financial transactions, especially wholesale financial transactions, are concentrated in financial institutions and financial centers where investors gather. The financial center concentrates the financial transaction market, effectively improves the transaction efficiency and reduces the transaction cost, and the transaction price formed has good authenticity, indicative and authority.
Financial capital is the blood of the modern economy, as the financial center focused all kinds of financial resources, and thus can be at a higher level, the broader configuration resources, play to the resource hub function, thus effectively promote industrial development and innovation.
Financial centre concentrated a large number of seeking greater profit space of financial capital, the investment field often tend to have more market and profit margins of innovative industries and innovative enterprises, and become the world science and technology, industry, business model innovation of the important driving force.
For financial center, a large number of financial institutions and financial market concentration, the huge information flow provides favorable conditions for the financial innovation, in the past 50 years, the important financial innovation activities almost all take place in the main international financial centre.
Functional financial center service industry development in our country is not ideal, enterprises "financing difficulties, financing expensive" is still a hot topic of economic and social, financial center construction and the real economy development does not form a good mutual promotion mechanism. There are four main reasons for this:
From the perspective of our financial structure, financial assets are mainly in large commercial Banks, and small financial institutions that serve small and medium sized enterprises are badly developed. According to the CBRC, by the end of 2015, China's banking assets were nearly 200 trillion yuan, about three times GDP, and five large state-owned commercial Banks accounted for half of the total. Relying on the large scale of assets and powerful resource acquisition ability, the large state-owned commercial Banks lack impetus in the development of financial innovation and service industry, especially the development of small and medium-sized enterprises. In contrast, the financial system with strong industrial service ability is often rich in small and medium-sized financial organizations, with multiple layers and complementary functions.
The local government construction financial center is aimed at the financial industry's strong ability to "build rich", especially the contribution to tax and GDP, and the guidance function of financial service real economy is insufficient.
Private enterprises, small and medium-sized enterprise, innovation, entrepreneurship and social individual is pressing financial demand, but it is not a qualified "finance main body", common governance mechanism is not perfect, the management is not standard, incomplete financial records, such problems as lack of credit records, thus it is difficult to become the object of financial institutions to provide financial services. Fourth, the local financial intermediary system is not perfect. Financial institutions to provide financing to the enterprise financial services, needs a large number of local financial intermediaries do supporting services, such as the credit guarantee institution, asset appraisal institutions, property right transaction institution, accounting firms, law firms, etc. The lack of local financial intermediary system also leads to the lack of scale, quality and efficiency of service enterprises and industrial development of financial institutions.
The construction of financial center of local government in China should effectively grasp the objective law of industrial finance development, accelerate the promotion of financial center, and better serve the real economy and industrial development.
China's local construction financial center can focus on the function of financial services in a certain area according to its own industrial characteristics. As a pillar industry in shenzhen is a high and new technology, can pay more attention to financial services in the financial center construction technology industry innovation and development, financial institutions system pays attention to introduce and cultivate pioneering venture capital institutions, promote the banking, securities and insurance institutions for science and technology enterprise needs innovative financial industry and the business model, in the financial system service scope of local industry development on the basis of the development of science and technology service, become the financial center of science and technology.
China's financial regulatory policy on the traditional financial institutions such as Banks, securities, insurance, set up and high barriers to entry, but for accurate financial institutions in the development of the different types of licensed no more restrictions. Construction of the local financial center can more actively introduce and cultivate the financing lease, consumer finance, auto finance, private equity, asset management, trust investment, monetary agency and commercial factoring, financing guarantee, pawn, small loans and other financial institutional investor, on the basis of risk prevention, participation and support more social capital to launch all kinds of new type of financial institutions, encourage large enterprise groups with conditions to form financial companies, consumer finance companies, industrial investment fund industries such as financial institutions, for the local enterprises and industry development provides diversified and comprehensive quality finance and financial services.
Financial centers throughout the country can draw lessons from Frankfurt, Germany, etc to support the development of local small and medium-sized enterprise financing experience, able to set up has scale effect and strong guarantee local policy guarantee agencies and policy guarantee company again, for financial institutions to small and medium-sized enterprise financing services provide credit credit promotion, cost compensation, risk compensation incentive and reward policy, effective unimpeded financing main body with the passage of the docking financial institutions and capital market.
Guide entity enterprise to strengthen its financing capability and encourage all kinds of small and medium-sized enterprise shareholding system reform, the introduction of capital, technology, management and brand advantages of resources, expand the scale of enterprise, enhance core competitiveness, to encourage enterprises to establish and perfect enterprise credit system, strengthen the enterprise internal credit management, improve the system of financial management, increases the transparency of corporate financial information, using the advanced credit risk prevention technology, constantly improve the level of credit management, credit management to dissolve into in the whole process of the enterprise management, cultivate enterprise good credit image.
Develop the credit guarantee institution, asset appraisal institutions, property right transaction institution, accounting firms, law firms and other intermediary service agencies, market access threshold and access to reduce costs, to guide all kinds of enterprises and individuals to set up the intermediary service institutions, guide the intermediary service agencies to establish industry associations, Chambers of commerce, trade unions, such as self-discipline organization, guide the local intermediary service agencies to strengthen the construction of brand, establishing strategic cooperative relations with international well-known intermediary service institutions, broaden the scope of business, improve service ability.
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